At Park Community, we believe your money should work as hard as you do. That’s why we offer competitive rates on loans, savings, and more—so you can reach your financial goals faster.
*APY=Annual Percentage Yield. Rates as of 5.1.2025 and subject to change without notice. For more detailed information, call 502.968.3681.
Traditional Certificates
Certificate Type
Minimum Deposit
Dividend Rate
APY*
Traditional 6-Month Term
$500
2.713%
2.75%
Traditional 12-Month Term
$500
2.469%
2.50%
Traditional 18-Month Term
$500
2.956%
3.00%
Traditional 24-Month Term
$500
2.956%
3.00%
Traditional 36-Month Term
$500
2.956%
3.00%
Traditional 48 Month Term
$500
2.762%
2.80%
Traditional 60-Month Term
$500
2.567%
2.60%
*APY= Annual Percentage Yield. APY effective 5.08.2026. Rates and terms are subject to change without notice. Dividends are calculated by the actual daily balance method which applies a daily periodic rate to the balance in the certificate each day. The dividend rate and APY at the time of purchase are fixed and will be in effect for the term of the certificate. A minimum opening deposit of $500 is required to open the account. Must qualify for membership and become a member to open certificate. Certificate will auto-renew for the same term as the original certificate at the applicable rate. Regulations prohibit payment in excess of available earnings. Penalty will be applied for early withdrawal. Fees may reduce earnings. Federally Insured by NCUA.
Money Market Accounts
Range
Dividend Rate
APY*
Dividend Rate with Park Perks**
APY* with Park Perks**
$1,000 to $49,999.99
0.449%
0.45%
0.747%
0.75%
$50,000 – $149,999.99
0.995%
1.00%
1.292%
1.30%
$150,000 – $249,999.99
0.995%
1.00%
1.735%
1.75%
$250,000 & higher
1.094%
1.10%
2.225%
2.25%
*APY = Annual Percentage Yield. All savings rates quoted as annual percentage yields. Rates as of 10.01.2025 and subject to change without notice. Fees could reduce earnings
**Exclusive rates and waived monthly maintenance fee available with active Park Perks enrollment. To enroll in Park Perks member must have a Thryve Checking account, a debit card, and be enrolled in Savings Jar with a minimum of one round up within the current statement cycle.
IRAs
IRA Accounts (Roth or Traditional)
Dividend Rate
APY*
6 month IRA Certificate
2.713%
2.75%
12 month IRA Certificate
2.469%
2.50%
18 month IRA Certificate
2.956%
3.00%
24 month IRA Certificate
2.956%
3.00%
36 month IRA Certificate
2.956%
3.00%
48 month IRA Certificate
2.762%
2.80%
60 month IRA Certificate
2.567%
2.60%
*APR=Annual Percentage Rate. Rates as of 5.08.2026 and subject to change without notice. An early withdrawal penalty may be imposed on certificate accounts. For more detailed information, call 502.968.3681.
Personal Loans
Term
APR*
Up to 60 Months
11.24% – 17.99%*
61 – 72 Months
14.24% – 17.99%*
*Annual Percentage Rate. Rates as of September 1, 2025, and subject to change without notice. Must qualify. Other terms and conditions may apply. Loan example: $5,000 for 60 months at 11.74% annual percentage rate would yield a $110.57 per month payment or approximately $22.12 per $1,000 borrowed. The interest rate will be based upon the member’s credit score.
Credit Builder Loans
Term
APR*
12 Months
12.24% – 17.99%*
*Annual Percentage Rate. Rates as of January 1, 2025, and subject to change without notice. Must qualify. Other terms and conditions may apply. Loan example: $1,500 for 24 months at 12.24% annual percentage rate would yield a $70.78 per month payment or approximately $47.19 per $1,000 borrowed. Member must display that they have sufficient income to repay the debt. Loan may be granted for up to $2,500 at terms not to exceed 24 months. Proceeds of the loan will be deposited into the member’s savings account and pledged as security for this loan. All pledge funds must remain in the account until the loan is paid in full. The interest rate will be based upon the member’s credit score.
Auto Loans
Term
APR*
Up to 48 Months
5.24%*
49 – 60 Months
5.99%*
61 – 72 Months
6.49%*
73 – 84 Months
7.24%*
85 – 96 Months
8.24%*
*Annual Percentage Rate. Rates as of August 1, 2025, and subject to change without notice. Must qualify. Final rate determined by credit score, vehicle age, vehicle value and loan term. Other terms and conditions may apply. Advertised rate includes 0.25% rate reduction for automatic payment from a Park Community CU account. Loan example: $20,000 for 48 months at 5.24% annual percentage rate would yield a $462.80 per month payment or approximately $23.14 per $1,000 borrowed.
Motorcycle Loans
Term
APR
Up to 48 Months
8.24%*
49 – 60 Months
8.49%*
61 – 72 Months
8.99%*
73 – 84 Months
9.49%*
*Annual Percentage Rate. Rates as of January 1, 2025, and subject to change without notice. Must qualify. Final rate determined by credit score, collateral age, collateral value, and loan term. Other terms and conditions may apply. Other terms and conditions may apply. The advertised rate includes 0.25% rate reduction for automatic payments. Loan example: $20,000 for 60 months at 8.24% annual percentage rate would yield a $407.83 per month payment or approximately $20.39 per $1,000 borrowed. The interest rate will be based upon the member’s credit score.
RV & Boat Loans
Term
APR*
Up to 60 Months
8.74%*
61 – 120 Months
9.24%*
121 – 180 Months
9.74%*
*Annual Percentage Rate. Rates as of January 1, 2025, and subject to change without notice. Must qualify. Final rate determined by credit score, collateral age, collateral value, and loan term. Other terms and conditions may apply. The advertised rate includes 0.25% rate reduction for automatic payments. Loan example: $20,000 for 60 months at 8.74% annual percentage rate would yield a $412.77 per month payment or approximately $20.64 per $1,000 borrowed. The interest rate will be based upon the member’s credit score.
Details
Conventional Mortgage:*Rates as of 4/3/2026, however, mortgage rates are subject to change daily. Interest rate would be based on current day pricing when locking the rate with an originator. Based on 80% loan-to-value and detached property type. For example, a $150,000 30-year fixed rate mortgage loan with an Annual Percentage Rate of 6.083% requires 360 monthly payments of $899.33. Loan payment amount does not include monthly taxes and insurance and your actual payment may be greater. Offer and rates subject to change. Loan subject to underwriting and credit approval. Additional restrictions apply.
5/5, 7/7, and 10/10 ARM:1Rates as of 4/3/2026, however, mortgage rates are subject to change daily. 5/5 ARM Repayment Example: $150,000 financed at 6.561% APR with a term of 30 years would result in a principal and interest payment of $960.47. 7/7 ARM Repayment Example: $150,000 financed at 6.844% APR with a term of 30 years would result in a principal and interest payment of $985.39. 10/10 ARM Repayment Example: $150,000 financed at 7.215% APR with a term of 30 years would result in a principal and interest payment of $1,010.58. Loan payment amount does not include monthly taxes and insurance and your actual payment may be greater. The principal and interest portion of your payment may be higher at the beginning of each new ARM term based on market conditions. Owner Occupied Single Family Residence and Stand-Alone Condos/Patio Homes only. Loan subject to underwriting and credit approval. Additional restrictions may apply. Minimum 3% down payment required for purchase transactions and minimum 5% equity for refinances. Closing credit up to $2,000 will be given on your Closing Disclosure settlement as a promotional credit. This includes Processing Fee, Underwriting Fee, Appraisal Fee, Credit Report, Doc Prep Fee, Employment/Income Verification, Flood Determination Fee, Tax Monitoring Fee, Closing Protection Letter Lender, Endorsement Fee, Lender’s Title Policy, and Settlement Fee. Closing cost offer subject to change without notice.
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